Sending money to Pakistan through official banking and exchange channels can now offer more than just a secure way to support your family. The Government of Pakistan and the State Bank of Pakistan (SBP) have introduced initiatives that encourage overseas Pakistanis to send remittances through formal channels and provide rewards or benefits to eligible remitters.
One important program is the Sohni Dharti Remittance Program (SDRP), a points-based loyalty program for overseas Pakistanis. In September 2026, the SBP also announced a new Pasban Remittance Reward Scheme, designed to provide annual prizes to eligible remitters.
What Is the Pakistan Overseas Remittance Reward Program?
The Sohni Dharti Remittance Program rewards overseas Pakistanis for sending money to Pakistan through SBP-regulated banks and exchange companies. Instead of receiving a conventional cash payment, eligible remitters accumulate reward points that can be used for selected services and benefits.
The program has four categories based on annual remittance amounts:
- Green: Up to US$10,000 – 1% reward points
- Gold: US$10,001 to US$30,000 – 1.25%
- Platinum: US$30,001 to US$50,000 – 1.50%
- Diamond: More than US$50,000 – 1.75%
The calculation is based on the equivalent Pakistani rupee value of qualifying remittances, with the program year running from July to June.
Who Can Get Remittance Rewards?
The program is primarily designed for Pakistani citizens living and working abroad who send money to Pakistan through formal channels.
To benefit, your remittance should generally be transferred through an eligible bank, exchange company, or another SBP-regulated channel. Using informal methods can mean that the transaction does not qualify for the relevant government incentive programs.
This is one reason overseas Pakistanis should keep their remittance receipts and transaction records.
How to Apply for the Overseas Remittance Reward
Step 1: Send Money Through a Formal Channel
First, send your remittance to Pakistan using an authorized bank or exchange company. Make sure the transaction is properly recorded under your identification and beneficiary information.
Step 2: Register for the Program
The Sohni Dharti program provides registration through its mobile application. According to SBP information, users can register by providing details such as their full name, CNIC number, passport number, and current place of residence.
Step 3: Track Your Reward Points
After qualifying remittances are recorded, reward points are reflected in the program’s virtual card. The points can increase as you continue sending money through formal channels.
The application also allows users to view remittance history, manage beneficiaries, and check available rewards.
Step 4: Redeem Your Rewards
Accumulated points can be used for selected services offered by participating organizations. Depending on the applicable program rules, benefits have included services connected with passport renewal, CNIC/NICOP services, certain airline charges, insurance or takaful premiums, school fees, and other public services.
What Is the New Pasban Remittance Reward Scheme?
A newer development is the Pasban Remittance Reward Scheme, which the SBP highlighted on September 25, 2026. The central bank described it as a market-based and sustainable remittance reward scheme with Rs. 16 billion in annual prizes.
Because this is a new scheme, applicants should check the latest SBP announcements and official instructions for eligibility, registration procedures, prize structure, and qualifying transactions before relying on information circulating on social media.
Important Tips for Overseas Pakistanis
If you want to maximize your eligibility for remittance rewards, follow these practical steps:
- Use formal remittance channels instead of informal money-transfer methods.
- Keep transaction receipts and reference numbers.
- Make sure your CNIC, passport, and beneficiary information are accurate.
- Check your reward balance regularly through the relevant official platform.
- Never pay an unofficial person claiming they can “guarantee” a government reward.
- Always verify new reward announcements directly through SBP or official government sources.
Final Thoughts
The Pakistan government’s overseas remittance reward initiatives are designed to encourage overseas Pakistanis to send money home through secure and regulated channels. The Sohni Dharti Remittance Program allows qualifying remitters to accumulate points and access selected benefits, while the newly announced Pasban scheme introduces another reward-based approach.
If you are an overseas Pakistani sending money to your family, using an authorized remittance channel can provide security while potentially making you eligible for government-backed rewards. Before applying, always check the latest official SBP requirements because program rules and procedures can change.